Borrowing in Howley, Newfoundland and Labrador

Howley is one of the Newfoundland and Labrador communities covered here, with a 2021 Census population of 179, and borrowing there is licensed under Newfoundland and Labrador's consumer credit rules.

The census figures for Howley

179 people were counted in Howley in the 2021 Census. The census records a land area of 19.9 square kilometres for Howley.

Population divided by land area produces a density of 9.0 people per square kilometre.

Howley ranks 277 by population among the Newfoundland and Labrador places on this site.

Compared with the other 322 covered Newfoundland and Labrador places, Howley ranks 277 by population.

The Newfoundland and Labrador rules that apply

The body that licenses consumer lending in Newfoundland and Labrador is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

A payday advance in Newfoundland and Labrador falls under a provincial licensing regime, and the cost of borrowing is capped at $14 per $100 advanced according to the federal Payday Lending Regulations (SOR/2024-114).

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender. A deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

Products compared here

Each product below has its own page, and the Newfoundland and Labrador position applies to all of them.

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

Nothing on the Howley page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

At 179 residents in the 2021 Census, Howley is listed alongside the other covered places in Newfoundland and Labrador.

Readers comparing Howley with another community can use the same four census fields.

Howley ranks 277 by 2021 Census population among the covered places in Newfoundland and Labrador.

Howley sits at rank 277 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

For Howley, the two census fields above are the only local statistics used anywhere on the page.

The density figure for Howley, 9.0 people per square kilometre, is calculated from the population and land area above.

Where a figure for Howley could not be verified, the page names the publisher instead of printing a number.

The Howley page follows the same structure as every other place page, with population, land area, density and rank.

The land area recorded for Howley is 19.9 square kilometres, and the population is 179 residents in the 2021 Census.

Howley is one of 322 covered Newfoundland and Labrador places, counted at 179 residents with a land area of 19.9 square kilometres.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.